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Proc-Type: 2001,MIC-CLEAR
Originator-Name: webmaster@www.sec.gov
Originator-Key-Asymmetric:
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 TWSM7vrzLADbmYQaionwg5sDW3P6oaM5D3tdezXMm7z1T+B+twIDAQAB
MIC-Info: RSA-MD5,RSA,
 LWJTErZ0BwPXISWr6mNLHjU5oSEafxLqfkWr2krV4frB0+Qn9hQmjlVOtnFKXWzd
 FdUPBeX29taoZ3zJWf1SWg==

<SEC-DOCUMENT>0001209191-03-018151.txt : 20030820
<SEC-HEADER>0001209191-03-018151.hdr.sgml : 20030820
<ACCEPTANCE-DATETIME>20030820173055
ACCESSION NUMBER:		0001209191-03-018151
CONFORMED SUBMISSION TYPE:	4
PUBLIC DOCUMENT COUNT:		1
CONFORMED PERIOD OF REPORT:	20030819
FILED AS OF DATE:		20030820

ISSUER:		

	COMPANY DATA:	
		COMPANY CONFORMED NAME:			CITIZENS INC
		CENTRAL INDEX KEY:			0000024090
		STANDARD INDUSTRIAL CLASSIFICATION:	LIFE INSURANCE [6311]
		IRS NUMBER:				840755371
		STATE OF INCORPORATION:			CO
		FISCAL YEAR END:			1231

	BUSINESS ADDRESS:	
		STREET 1:		400 EAST ANDERSON LANE
		CITY:			AUSTIN
		STATE:			TX
		ZIP:			78752
		BUSINESS PHONE:		5128377100

	MAIL ADDRESS:	
		STREET 1:		400 EAST ANDERSON LANE
		CITY:			AUSTIN
		STATE:			TX
		ZIP:			78752

	FORMER COMPANY:	
		FORMER CONFORMED NAME:	CONTINENTAL INVESTORS LIFE INC
		DATE OF NAME CHANGE:	19881222

REPORTING-OWNER:	

	OWNER DATA:	
		COMPANY CONFORMED NAME:			RILEY RICK D
		CENTRAL INDEX KEY:			0001054959

	FILING VALUES:
		FORM TYPE:		4
		SEC ACT:		1934 Act
		SEC FILE NUMBER:	000-16509
		FILM NUMBER:		03858711

	BUSINESS ADDRESS:	
		STREET 1:		P O BOX 149151
		CITY:			AUSTIN
		STATE:			TX
		ZIP:			78714-9151
		BUSINESS PHONE:		5128377100

	MAIL ADDRESS:	
		STREET 1:		P O BOX 149151
		CITY:			AUSTIN
		STATE:			TX
		ZIP:			78714-9151
</SEC-HEADER>
<DOCUMENT>
<TYPE>4
<SEQUENCE>1
<FILENAME>bdn08613_bdn1rdr.xml
<DESCRIPTION>MAIN DOCUMENT DESCRIPTION
<TEXT>
<XML>
<?xml version="1.0"?><ownershipDocument><schemaVersion>X0201</schemaVersion>    <documentType>4</documentType><periodOfReport>2003-08-19</periodOfReport><notSubjectToSection16>0</notSubjectToSection16><issuer><issuerCik>0000024090</issuerCik><issuerName>CITIZENS INC</issuerName>        <issuerTradingSymbol>CIA</issuerTradingSymbol></issuer><reportingOwner><reportingOwnerId><rptOwnerCik>0001054959</rptOwnerCik><rptOwnerName>RILEY RICK D</rptOwnerName></reportingOwnerId><reportingOwnerAddress><rptOwnerStreet1></rptOwnerStreet1><rptOwnerStreet2></rptOwnerStreet2><rptOwnerCity>AUSTIN</rptOwnerCity><rptOwnerState>TX</rptOwnerState><rptOwnerZipCode>78759-5526</rptOwnerZipCode><rptOwnerStateDescription></rptOwnerStateDescription></reportingOwnerAddress><reportingOwnerRelationship><isDirector>1</isDirector><isOfficer>1</isOfficer><isTenPercentOwner>0</isTenPercentOwner><isOther>0</isOther><officerTitle>CEO</officerTitle></reportingOwnerRelationship></reportingOwner><nonDerivativeTable><nonDerivativeTransaction><secu
rityTitle><value>Class A Common Stock</value></securityTitle><transactionDate><value>2003-08-19</value></transactionDate><transactionCoding><transactionFormType>4</transactionFormType><transactionCode>G</transactionCode><equitySwapInvolved>0</equitySwapInvolved></transactionCoding><transactionAmounts><transactionShares><value>6000</value></transactionShares><transactionPricePerShare><value>50340</value></transactionPricePerShare><transactionAcquiredDisposedCode><value>D</value></transactionAcquiredDisposedCode></transactionAmounts><postTransactionAmounts><sharesOwnedFollowingTransaction><value>392612</value></sharesOwnedFollowingTransaction></postTransactionAmounts><ownershipNature><directOrIndirectOwnership><value>D</value></directOrIndirectOwnership></ownershipNature></nonDerivativeTransaction><nonDerivativeHolding><securityTitle><value>Class A Common Stock</value></securityTitle><postTransactionAmounts><sharesOwnedFollowingTransaction><value>20618</value></sharesOwnedFollowingTransaction></postTransaction
Amounts><ownershipNature><directOrIndirectOwnership><value>I</value></directOrIndirectOwnership><natureOfOwnership><value>JOINT WITH SPOUSE</value></natureOfOwnership></ownershipNature></nonDerivativeHolding><nonDerivativeHolding><securityTitle><value>Class A Common Stock</value></securityTitle><postTransactionAmounts><sharesOwnedFollowingTransaction><value>18249</value></sharesOwnedFollowingTransaction></postTransactionAmounts><ownershipNature><directOrIndirectOwnership><value>I</value></directOrIndirectOwnership><natureOfOwnership><value>TRUSTEE FOR SPOUSE</value></natureOfOwnership></ownershipNature></nonDerivativeHolding><nonDerivativeHolding><securityTitle><value>Class A Common Stock</value></securityTitle><postTransactionAmounts><sharesOwnedFollowingTransaction><value>213024</value></sharesOwnedFollowingTransaction></postTransactionAmounts><ownershipNature><directOrIndirectOwnership><value>I</value></directOrIndirectOwnership><natureOfOwnership><value>TRUSTEE FOR CHILDREN</value></natureOfOwnership></o
wnershipNature></nonDerivativeHolding><nonDerivativeHolding><securityTitle><value>Class A Common Stock</value></securityTitle><postTransactionAmounts><sharesOwnedFollowingTransaction><value>1569.3233</value></sharesOwnedFollowingTransaction></postTransactionAmounts><ownershipNature><directOrIndirectOwnership><value>I</value></directOrIndirectOwnership><natureOfOwnership><value>CITIZENS, INC. EMPLOYEE STOCK INVESTMENT PLAN</value></natureOfOwnership></ownershipNature></nonDerivativeHolding></nonDerivativeTable><ownerSignature><signatureName>/s RICK D RILEY</signatureName><signatureDate>2003-08-20</signatureDate></ownerSignature></ownershipDocument>

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